1. General project loan
The local and foreign currency loan applied for by clients to ICBC for addressing their needs for funds in the fixed assets investment activities. By different purposes of the loan, it includes capital construction loan, technical reconstruction loan and technical development loan.
1. 一般項(xiàng)目貸款
客戶因從事固定資產(chǎn)投資活動(dòng)產(chǎn)生資金需求而向中國(guó)工商銀行申請(qǐng)的本外幣貸款，按照貸款的不同用途，可分為基本建設(shè)貸款、技術(shù)改造貸款、科技開(kāi)發(fā)貸款。
(1) Capital construction loan
The loan granted for basic construction of the infrastructure approved by national entitled department, municipal projects, service facilities and the newly-constructed or reconstructed projects.
(1)基本建設(shè)貸款
是指用于經(jīng)國(guó)家有權(quán)部門(mén)批準(zhǔn)的基礎(chǔ)設(shè)施、市政工程、服務(wù)設(shè)施和以外延擴(kuò)大再生產(chǎn)為主的新建或擴(kuò)建生產(chǎn)性工程等基本建設(shè)而發(fā)放的貸款。
(2) Technical reconstruction loan
The loan designed for the technical reconstruction projects in the existing enterprises which focus on the expansion of reproduction by way of connotation.
(2)技術(shù)改造貸款
是用于現(xiàn)有企業(yè)以內(nèi)涵擴(kuò)大再生產(chǎn)為主的技術(shù)改造項(xiàng)目而發(fā)放的貸款。
(3) Technical development loan
The loan granted for research and development of new technologies and new products and conversion of technical results to production or application.
(3)科技開(kāi)發(fā)貸款
是指用于新技術(shù)和新產(chǎn)品的研制開(kāi)發(fā)、科技成果向生產(chǎn)領(lǐng)域轉(zhuǎn)化或應(yīng)用而發(fā)放的貸款。
(4) Commercial expansion loan
The loan applied for by commercial, restaurant and service enterprise to bank for expanding their operation scopes, improving service facilities and increasing storage area.
(4)商業(yè)網(wǎng)點(diǎn)貸款
是指商業(yè)、餐飲、服務(wù)企業(yè)，為擴(kuò)大網(wǎng)點(diǎn)、改善服務(wù)設(shè)施、增加倉(cāng)儲(chǔ)面積等所需資金，在自籌建設(shè)資金不足時(shí)，而向銀行申請(qǐng)的貸款。
2. Annexation loan
The local and foreign currency loan designed for addressing the financing needs of the superior clients in their reform and reconstruction process for annexing and acquiring other domestic enterprises and undertaking units and established projects, as reconstruction of
assets and debts. Considering the particularity of this sort of loan, ICBC formulated special methods to standardize the approval and management of the loan. You can make inquiry to county-above sub-branches of ICBC for more information.
2. 并購(gòu)貸款
針對(duì)境內(nèi)優(yōu)勢(shì)客戶在改制、改組過(guò)程中，有償兼并、收購(gòu)國(guó)內(nèi)其他企事業(yè)法人、已建成項(xiàng)目及進(jìn)行資產(chǎn)、債務(wù)重組中產(chǎn)生的融資需求而發(fā)放的本外幣貸款。鑒于該項(xiàng)貸款的特殊性，中國(guó)工商銀行制定了專門(mén)的辦法規(guī)范該類貸款的審批及管理，具體情況可向中國(guó)工商銀行縣支行以上機(jī)構(gòu)咨詢?！ ?BR> 3. Foreign exchange transferred loan
The loan granted by foreign governments and financial organizations (loaner) to borrowers of our country which will be transferred to domestic banks first before its granting. Generally, this sort of loan has some preferential treatment, for example, lower interest rate and longer term. Target, purpose, amount, term and interest rate of the loan shall be determined by the loaner, with lower interest rate (0.2%- 0.3%, even no interest) and longer term (10-40 years with 2-15 years of grace period).
3. 外匯轉(zhuǎn)貸款
外國(guó)政府及金融機(jī)構(gòu)（貸款人）向我國(guó)借款人提供并由國(guó)內(nèi)銀行轉(zhuǎn)貸的貸款。該類貸款通常帶有一定優(yōu)惠，如利率較低，期限較長(zhǎng)。該類貸款的對(duì)象、用途、金額、期限、利率等均由貸款人決定，通常帶有一定優(yōu)惠，如利率較低（一般在0.2％－0.3％，有的甚至為無(wú)息），期限較長(zhǎng)（一般在10－40年間，并含有2－15年寬限期）。
The local and foreign currency loan applied for by clients to ICBC for addressing their needs for funds in the fixed assets investment activities. By different purposes of the loan, it includes capital construction loan, technical reconstruction loan and technical development loan.
1. 一般項(xiàng)目貸款
客戶因從事固定資產(chǎn)投資活動(dòng)產(chǎn)生資金需求而向中國(guó)工商銀行申請(qǐng)的本外幣貸款，按照貸款的不同用途，可分為基本建設(shè)貸款、技術(shù)改造貸款、科技開(kāi)發(fā)貸款。
(1) Capital construction loan
The loan granted for basic construction of the infrastructure approved by national entitled department, municipal projects, service facilities and the newly-constructed or reconstructed projects.
(1)基本建設(shè)貸款
是指用于經(jīng)國(guó)家有權(quán)部門(mén)批準(zhǔn)的基礎(chǔ)設(shè)施、市政工程、服務(wù)設(shè)施和以外延擴(kuò)大再生產(chǎn)為主的新建或擴(kuò)建生產(chǎn)性工程等基本建設(shè)而發(fā)放的貸款。
(2) Technical reconstruction loan
The loan designed for the technical reconstruction projects in the existing enterprises which focus on the expansion of reproduction by way of connotation.
(2)技術(shù)改造貸款
是用于現(xiàn)有企業(yè)以內(nèi)涵擴(kuò)大再生產(chǎn)為主的技術(shù)改造項(xiàng)目而發(fā)放的貸款。
(3) Technical development loan
The loan granted for research and development of new technologies and new products and conversion of technical results to production or application.
(3)科技開(kāi)發(fā)貸款
是指用于新技術(shù)和新產(chǎn)品的研制開(kāi)發(fā)、科技成果向生產(chǎn)領(lǐng)域轉(zhuǎn)化或應(yīng)用而發(fā)放的貸款。
(4) Commercial expansion loan
The loan applied for by commercial, restaurant and service enterprise to bank for expanding their operation scopes, improving service facilities and increasing storage area.
(4)商業(yè)網(wǎng)點(diǎn)貸款
是指商業(yè)、餐飲、服務(wù)企業(yè)，為擴(kuò)大網(wǎng)點(diǎn)、改善服務(wù)設(shè)施、增加倉(cāng)儲(chǔ)面積等所需資金，在自籌建設(shè)資金不足時(shí)，而向銀行申請(qǐng)的貸款。
2. Annexation loan
The local and foreign currency loan designed for addressing the financing needs of the superior clients in their reform and reconstruction process for annexing and acquiring other domestic enterprises and undertaking units and established projects, as reconstruction of
assets and debts. Considering the particularity of this sort of loan, ICBC formulated special methods to standardize the approval and management of the loan. You can make inquiry to county-above sub-branches of ICBC for more information.
2. 并購(gòu)貸款
針對(duì)境內(nèi)優(yōu)勢(shì)客戶在改制、改組過(guò)程中，有償兼并、收購(gòu)國(guó)內(nèi)其他企事業(yè)法人、已建成項(xiàng)目及進(jìn)行資產(chǎn)、債務(wù)重組中產(chǎn)生的融資需求而發(fā)放的本外幣貸款。鑒于該項(xiàng)貸款的特殊性，中國(guó)工商銀行制定了專門(mén)的辦法規(guī)范該類貸款的審批及管理，具體情況可向中國(guó)工商銀行縣支行以上機(jī)構(gòu)咨詢?！ ?BR> 3. Foreign exchange transferred loan
The loan granted by foreign governments and financial organizations (loaner) to borrowers of our country which will be transferred to domestic banks first before its granting. Generally, this sort of loan has some preferential treatment, for example, lower interest rate and longer term. Target, purpose, amount, term and interest rate of the loan shall be determined by the loaner, with lower interest rate (0.2%- 0.3%, even no interest) and longer term (10-40 years with 2-15 years of grace period).
3. 外匯轉(zhuǎn)貸款
外國(guó)政府及金融機(jī)構(gòu)（貸款人）向我國(guó)借款人提供并由國(guó)內(nèi)銀行轉(zhuǎn)貸的貸款。該類貸款通常帶有一定優(yōu)惠，如利率較低，期限較長(zhǎng)。該類貸款的對(duì)象、用途、金額、期限、利率等均由貸款人決定，通常帶有一定優(yōu)惠，如利率較低（一般在0.2％－0.3％，有的甚至為無(wú)息），期限較長(zhǎng)（一般在10－40年間，并含有2－15年寬限期）。